🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
Chola MS Health Insurance and Liberty General Health Insurance are both reputable providers in India, offering a range of health insurance products for individuals and families. Chola MS stands out for its extensive network of over 10,000 cashless hospitals, comprehensive coverage options including wellness benefits, and straightforward claims process. Liberty General, meanwhile, is known for innovative features like ‘restore benefits’ (automatic sum insured reinstatement), affordable premiums, and value-added services such as health check-ups and teleconsultations. While Chola MS may appeal to customers seeking a large hospital network and wider plan variety, Liberty General is preferred for budget-friendly premiums and enhanced add-ons. Ultimately, the better choice depends on your priorities—hospital access, value-added benefits, or cost—so it’s important to compare plans in detail before purchasing.
Author
Read Bio
Reviewed by
Read BioThe need to identify a comprehensive but affordable health insurance plan is a priority among families and individuals in India, particularly in 2025, when the cost of medical care is still skyrocketing. Most customers reduce their options to major providers such as Chola MS Health Insurance and Liberty General Health Insurance. Both insurance companies are reputable brands and have a wide portfolio, but their policies matter. This article provides a clear, human-friendly comparison to allow you to learn which health plan suits you.
Chola MS Health Insurance is a partnership between Murugappa Group of India and the Mitsui Sumitomo Insurance Company of Japan. The company is over ten years old and specialises in affordable health covers to suit Indian families, corporates, and individuals, particularly those who need value and extensive coverage plans.
Liberty General Health Insurance was started as a partnership between Liberty Citystate Holdings PTE Ltd, Industries Ltd and Liberty Mutual Insurance Group. This insurer was launched in India in 2013, and it has a range of health plans that serve various segments, such as individuals, families, and senior citizens. It is reputed to be innovative in digital services and customer support channels.
Both brands saw an increase in customers, as reported by 2025 market reports, because of better cashless network hospitals and fast settlement of claims.
Q: Does Chola MS Health Insurance accept pre-existing diseases?
A: Yes. Pre-existing disease cover is offered in most plans after a 2–4 year waiting period (2 years in most cases).
Did You Know? In a 2024 survey, Liberty General was ranked as one of the fastest average claim processing time among midsize insurers in India.
| Feature / Plan | Chola MS Health Insurance | Liberty General Health Insurance |
|---|---|---|
| Network Hospitals (2025 data) | 11,000+ | 9,500+ |
| Maximum Entry Age | Up to 65 yrs (family floater) Up to 65 yrs (individual/family) | |
| Pre-existing Disease Waiting | 2–4 years | 2–3 years (on select plans) |
| Room Rent Capping | No capping on popular plans | Limit on base plans |
| Restoration Benefit | Yes, up to 100 % | Yes, up to 100 % |
| Day Care Procedures Covered | 500+ | 400+ |
| Claim Settlement (avg time) | 8–12 days | 7–10 days |
| No-Claim Bonus | Up to 100 % | Up to 150 % |
| OPD and Wellness Benefits | Limited | Extensive (including add-ons) |
| Digital Claim Process | Yes (Chola Healthline app) | Yes (LGI mobile app & web) |
Pros
Cons
A family in Pune opted to take Chola MS Healthline Family Floater to insure both parents and two children with a single sum. In the first year, a cashless surgery was handled with ease. The restoration benefit enabled them to make a second claim of an unrelated illness without incurring additional premiums.
Pros
Cons
Expert Insight: Experts suggest that Liberty has broad plans that can be used by working professionals who will benefit most of the OPD, wellness, and telemedicine add-ons.
Family of Four, Age 30-38, with Two Children
Senior Citizens, Age 62+
Working Professionals with Lifestyle Illnesses
Q: Are these insurers online health insurance providers that I can purchase in 2025?
A: Yes, Chola MS and Liberty both provide an option of purchasing policies, renewing them, and checking the status of claims instantly through their websites and apps.
| Age Group | Chola MS (₹) | Liberty General (₹) |
|---|---|---|
| 25-35 (2 adults, 1 child) | 11,500 | 10,800 |
| 36-45 (2 adults, 2 kids) | 15,700 | 15,000 |
| 46-55 | 23,400 | 21,800 |
| 56-65 | 34,900 | 34,400 |
Inclusive of GST, before discounts, estimate for Tier 1 city, January 2025. Premiums may be raised by add-ons or riders.
Did You Know? Both companies often provide premium discounts on the occasion of Indian festive seasons or long-term policies (2–3 years).
Digital claim intimation and tracking is available in both Chola MS and Liberty General. Liberty tends to process simpler claims slightly quicker (7–10 days average) whereas the in-house staff at Chola are able to settle complex claims within a short time. Both have 24x7 helplines and WhatsApp claim support.
Q: Is it mandatory that I provide original bills of all claims in a digital format?
A: Both insurance companies accept scanned copies over the internet, although originals can be requested during audit or when claims approach some value threshold.
Both offer helplines, chatbots in the form of apps, and email services.
Chola MS is rated a bit higher on Tier 2 and 3 city support whereas Liberty has a higher score on real-time mobile assistance and urban customer chatbots.
An IT professional in Gurgaon bought Liberty Connect plan online after comparing ten of the top insurance providers on a marketplace. He enjoyed three years of a higher no-claim bonus and wellness points to get discounted yearly health cheque-ups. His neighbour, under Chola MS, valued the network hospital presence when relatives were treated in a smaller-city hospital in a medical emergency.
Experts Advice: It is recommended by experienced agents to read plan brochures, exclusions and network hospital lists prior to concluding any health cover.
Compare products, cheque premiums, and read customer experiences in 2025 using online platforms.
Q: What is the better family health insurance between Chola MS and Liberty General?
A: PAN-India hospital access and straightforward policy structures are better with Chola MS. Liberty is better in terms of high no-claim bonuses and customisation options.
Q: Is there a claim that I can make regarding AYUSH or alternative medicine?
A: Yes. Chola MS includes AYUSH fully; Liberty General includes it as well, but review policy language to confirm restrictions.
Q: What are the documents required to claim cashless hospitalisation?
A: Typically ID evidence, policy number, pre-authorisation form provided by the network hospital, and prescription of the doctor.
Q: Do these policies cover maternity expenses?
A: Both provide maternity benefits as add-ons or as part of certain plans with 2-4 year waiting periods.
Q: How do I know whether my hospital is in the cashless network of the insurer?
A: Cheque the insurer app or site, or reputable online insurance marketplaces to compare network hospital lists in real time.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users. Start your financial journey today!
